What was important for me is wallets in different currencies (I travel a lot), planning future payments, seeing what balances would look like at certain date in the future and having external API and MCP.
I had plans of maybe making it public one day so I decided to encrypt amounts and balances to stand out from gazillion of other trackers, then I kept adding more stuff like semantic search, charts, shared wallets for collaboration, passkey-only sign in and so on.
It's a web app, I use it as PWA and it works fine for now. Native mobile apps are worth making only if there is demand, so current stack is Nextjs, Hono, Postgres, a VPS and Cloudflare.
I'd love feedback, especially on encryption and collaboration part and what would make you switch from your current tracker.